Company profile

THE BANK OF SAGA LTD.

EDINET
E03599
Securities
8395
Industry
Banks
Latest annual securities report
2026-06-23 Annual Securities Report PDF HTML
Latest financial report
—
Latest filing
2026-07-02 Extraordinary Report PDF HTML
Compare this company

Industry position

Banks

View details
Profitability Above average Based on ROE Current Top 33% 5-year trend Improving
Financial strength Weak Based on Equity ratio Current Bottom 25% 5-year trend Broadly stable
Growth Weak Current Bottom 29% 5-year trend Deteriorating

Half-year trend

Half-year financial trend

H1 values are cumulative year-to-date.

H2 values are calculated when comparable.

Consolidated · Japanese GAAP · Cumulative YTD

Mode

Half-year financial data

Annual key financial indicators

FY2026

Consolidated Japanese GAAP

Revenue reached ¥12.31 billion, up 11.9% year over year. Net income was ¥8.59 billion, up 14.5% year over year. ROE was 6.8%; equity ratio was 3.9%; free cash flow was ¥9.09 billion.

Revenue ¥12.31B up 11.9% year over year
Operating income —
Net income ¥8.59B up 14.5% year over year
Total assets¥3.22T
Total equity—
Operating cash flow-¥75.45B
Free cash flow¥9.09B

Industry position details

Banks

Annual data for the same fiscal year and industry

Comparison sample varies by metric

Profitability Above average
Based on ROE

ROE Top 34%

Financial strength Weak
Based on Equity ratio

Equity ratio Bottom 78%

Growth Weak

Revenue growth Bottom 86% / 3-year revenue CAGR Bottom 60%

Profitability Industry position history Improving
2026 Top 33% 2025 Top 22% 2024 Top 20% 2023 Top 16% 2022 Top 48%
Financial strength Industry position history Broadly stable
2026 Bottom 25% 2025 Bottom 21% 2024 Bottom 19% 2023 Bottom 18% 2022 Bottom 16%
Growth Industry position history Deteriorating
2026 Bottom 29% 2025 Top 29% 2024 Top 39% 2023 Top 32% 2022 Top 12%
Profitability ROE 6.8% Industry median 5.6% Top 34% Comparison sample 83
Financial strength Equity ratio 3.9% Industry median 4.9% Bottom 78% Comparison sample 83
Growth Revenue growth +11.9% Industry median +32.7% Bottom 86% Comparison sample 83
Growth 3-year revenue CAGR +19.2% Industry median +21.3% Bottom 60% Comparison sample 76

Annual financial data

Fiscal year Scope Accounting standard Revenue Operating income Ordinary income Profit before tax Net income Profit attributable to owners of parent Comprehensive income Total assets Total liabilities Net assets Shareholders' equity Equity Equity attributable to owners of parent Equity for ratio Operating cash flow Investing cash flow Financing cash flow Free cash flow Cash and cash equivalents Basic EPS P/E Share price Market cap Book value per share Dividend per share Shares issued Equity ratio Official equity ratio ROE ROA Operating margin Ordinary income margin Net margin Operating cash flow margin Free cash flow margin Dividend payout ratio Revenue YoY Operating income YoY Ordinary income YoY Profit before tax YoY Net income YoY Total assets YoY Equity YoY Operating cash flow YoY Investing cash flow YoY Financing cash flow YoY Free cash flow YoY Cash and cash equivalents YoY EPS YoY Dividend per share YoY Shares issued YoY Employees YoY Average salary YoY Employees Average salary
FY2026 Consolidated Japanese GAAP 12307000000 12307000000 8585000000 8585000000 11765000000 3219066000000 3092567000000 126498000000 127671000000 126498000000 -75446000000 84534000000 -1691000000 9088000000 277823000000 508.05 9.19 4668.9795 79073411934.8655 7471.92 16935909 0.0392964916 0.0392 0.0678666856 0.0026669226 1.0 0.6975704883 -6.1303323312 0.7384415373 0.1187164803 0.1187164803 0.1452774813 0.0129898574 0.086995377 -2.1798870437 -0.1139643842 -0.1800418702 -0.8732160545 0.0273569382 0.143355463 0.0 0.0015576324 1286
FY2025 Consolidated Japanese GAAP 11001000000 11001000000 7496000000 7496000000 -5078000000 3177787000000 3061412000000 116374000000 120737000000 116374000000 -23726000000 95407000000 -1433000000 71681000000 270425000000 444.35 5.19 2306.1765 39057195341.9385 6879.45 16935909 0.0366210825 0.0365 0.0644130132 0.0023588743 1.0 0.6813926007 -2.1567130261 6.5158621943 0.453044512 0.453044512 0.2055323255 0.0053841328 -0.0505042264 -1.2098606001 3.3535021675 -0.218537415 -0.4689155448 0.3509226788 0.200653895 -0.0116713972 -0.0077279753 1284
FY2024 Consolidated Japanese GAAP 7571000000 7571000000 6218000000 6218000000 14932000000 3160769000000 3038204000000 122564000000 114356000000 122564000000 113056000000 21915000000 -1176000000 134971000000 200178000000 370.09 5.77 2135.4193 36592350801.6437 7275.6 17135909 0.0387766395 0.0386 0.0507326784 0.0019672428 1.0 0.8212917712 14.9327697794 17.8273675868 0.0421197522 0.0421197522 0.1323984702 0.0503528294 0.1269113009 1.5987596456 1.5012350762 0.0067567568 1.5804230688 2.0156372401 0.1316006727 0.0 -0.0107033639 1294
FY2023 Consolidated Japanese GAAP 7265000000 7265000000 5491000000 5491000000 -5880000000 3009245000000 2900483000000 108761000000 109284000000 108761000000 -188817000000 -43722000000 -1184000000 -232539000000 66380000000 327.05 4.95 1618.8975 27741280240.3275 6462.14 17135909 0.0361422882 0.036 0.0504868473 0.0018247102 1.0 0.755815554 -25.9899518238 -32.0081211287 0.0415770609 0.0415770609 0.3471540726 -0.0489190038 -0.0606722747 -94.0261701057 0.3517480651 -0.0008453085 -2.3491135339 -0.7788136977 0.3460509528 0.0 -0.0318282754 1308
FY2022 Consolidated Japanese GAAP 6975000000 6975000000 4076000000 4076000000 -9479000000 3164026000000 3048240000000 115786000000 104951000000 115786000000 -1987000000 -67446000000 -1183000000 -69433000000 300109000000 242.97 6.01 1460.2497 25022705976.4773 6887.64 17135909 0.036594516 0.0365 0.0352028743 0.0012882321 1.0 0.5843727599 -0.284874552 -9.9545519713 0.655589841 0.655589841 0.6535496957 0.0370295836 -0.0840584755 -1.0085572414 0.0060861492 -0.0085251492 -1.4224909031 -0.1904808146 0.6531945295 0.0 -0.0273578114 1351
FY2021 Consolidated Japanese GAAP 4213000000 4213000000 2465000000 2465000000 12796000000 3051047000000 2924634000000 126412000000 101911000000 126412000000 232201000000 -67859000000 -1173000000 164342000000 370725000000 146.97 10.04 1475.5788 25285384039.1292 7520.8 17135909 0.0414323345 0.0413 0.019499731 0.0008079194 1.0 0.5850937574 55.1153572276 39.0083076193 -0.0845284659 -0.0845284659 0.0098320361 0.1918683098 0.101668032 3.5606512943 0.0121265941 0.0 10.2441219485 0.7861616736 0.0080246914 0.0 -0.0512295082 1389
FY2020 Consolidated Japanese GAAP 4602000000 4602000000 2441000000 2441000000 -4620000000 2559886000000 2445140000000 114746000000 100105000000 114746000000 50914000000 -68692000000 -1173000000 -17778000000 207554000000 145.8 7.87 1147.446 19662530238.414 6838.06 17135909 0.0448246523 0.0447 0.0212730727 0.0009535581 1.0 0.5304215558 11.0634506736 -3.8631029987 0.3460076046 0.3460076046 -0.0739757208 0.0362685869 -0.0476957168 1.3374850029 -2.1685890239 0.6807294502 0.8069308544 -0.0836710727 -0.0742857143 0.0 -0.0343007916 1464
FY2019 Consolidated Japanese GAAP 3419000000 3419000000 2636000000 2636000000 -4957000000 2470292000000 2349799000000 120493000000 98479000000 120493000000 -150863000000 58782000000 -3674000000 -92081000000 226506000000 157.5 12.1 1905.75 32656758576.75 7184.46 17135909 0.0487768248 0.0486 0.0218767895 0.0010670803 1.0 0.7709856683 -44.1248903188 -26.9321439017 -0.0149812734 -0.0149812734 -0.6036090226 0.0202628332 -0.048043042 -7.7280470945 -0.5636695641 0.1387716831 -1.5859731962 -0.297137112 -0.6042514699 -0.0263326911 1516
FY2018 Consolidated Japanese GAAP 3471000000 3471000000 6650000000 6650000000 10062000000 2421231000000 2294657000000 126574000000 95945000000 126574000000 22423000000 134719000000 -4266000000 157142000000 322262000000 397.98 5.85 2328.1830 7557.06 0.0522767138 0.0521 0.052538436 0.0027465368 1.0 1.9158743878 6.4600979545 45.2728320369 -0.1444417057 -0.1444417057 1.2946859903 0.0367943374 0.0487790731 -0.1862456904 6.5832815285 0.6880666862 44.8674839463 0.9025190835 21.9383285303 -0.0051118211 1557
FY2017 Consolidated Japanese GAAP 4057000000 4057000000 2898000000 2898000000 2391000000 2335305000000 2214617000000 120687000000 88441000000 120687000000 27555000000 -24129000000 -13676000000 3426000000 169387000000 17.35 17.57 304.8395 693.26 0.051679331 0.0495 0.0240125283 0.0012409514 1.0 0.7143209268 6.7919645058 0.8444663544 -0.342036977 -0.342036977 -0.1061073411 0.0185402452 0.0114650642 1.4458088628 -4.7282138443 -9.8625893566 1.0619115601 -0.0570647636 -0.1065911432 -0.0050858233 1565

Source filings

Select a document type to load the filings list.

Select a filing type to load the list.

Document filter

Select filing types

Choose the filing types to display.

Filing types containing financial data are selected by default.

Source data: Financial Services Agency EDINET / Data organization, aggregation, and metric calculations: bestforever.jp